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Lemonade Review

Lemonade is one of the most popular pet insurance companies on the market. The company boasts an excellent reputation for having one of the fastest claims payment processes. Lemonade allows you to send your claim in minutes via its user-friendly app and get reimbursed the same day. Learn more about this company and its highlights.

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Emma Watson

Reviewed by: Emma Watson,

What Does Lemonade Cover?

Lemonade covers different pet health-related expenses based on the insurance policy you purchase. The prices are affordable. A basic plan can help you cover the following routine expenses: ultrasounds, blood tests, CT scans, x-rays, etc.

The same basic insurance has you covered if your pet requires emergency care and hospitalization. You can also get reimbursed for prescription medication. However, like all pet insurance companies, Lemonade won't cover the expenses related to pre-existing conditions. You can't get an insurance policy if your pet is not at least two months old.

Additional treatments and procedures that are not covered elective surgery and alternative therapies.

Lemonade Features

Lemonade is a fast and reliable pet insurance company. It processes claims quickly. You could even get reimbursed the same day. This company is customer-oriented. It has a seamless app where you can get AI chat support at any time. Phone and email support are also available. Lemonade Pet Insurance policies are affordable and can include different add-ons. Besides all these, Lemonade is also involved in charity donations, so part of what you spend on your policy goes to selected charities.

Lemonade Pricing Plans

Lemonade allows you to customize your policy with a preventive care and wellness plan. These plans can include annual blood tests, up to six vaccines, parasite tests, microchipping, and the possibility to reach out to medical experts via live chat.

The company also offers five additional add-ons which can help cover vet visit fees, physical therapy, dental illness, behavioral conditions, and end-of-life and remembrance.

Your monthly payment will depend on your pet’s species and breed, state, annual limit, co-insurance, and annual deductible.

The average monthly cost for an adult dog with maximum coverage of up to $20,000 and a rate of 80% can cost around $30 per month. Cat insurance usually comes cheaper. For a young mixed breed cat, you can pay as little as $10 monthly with a 70% coverage option and a maximum limit of $20,000.

The minimum coverage limit with Lemonade is $5,000, and the maximum is $100,000. If you insure several pets, you get a 5% multi-pet discount. If you pay for the whole year, you also get a 5% discount.

Lemonade Waiting Periods

Lemonade has three waiting periods:

  • 2 days for accidents

  • 14 days for illnesses

  • 6 months for cruciate ligament event

Reimbursement and Deductibles

The reimbursement rate varies from 70% to 90%. There are three annual deductible options

·         $100

·         $200

·         $500

Claims Process  

Lemonade allows you to make a claim via its user-friendly app. All it takes to submit this request is to fill out and submit a form. Afterward, the waiting time differs, but you could get reimbursed even on the same day.

Why You Should Choose Lemonade

This insurance carrier offers affordable rates and the possibility to get additional coverage layers with the available add-ons. This company offers a fast payout process and an intuitive app. It also provides reliable customer support available via live chat.

Contact Details and Physical Address

You can contact the company via live chat, where you will be supported by an AI bot. Phone support ((844) 733-8666) and email support help@lemonade.com  are also available.

Address

5 Crosby St., 3rd floor

New York, NY 10013

Why We Chose Lemonade

Lemonade is a fast, user-friendly, and affordable service. It is easy to get your pet insured via the app, submit a claim, and get reimbursement in no time.

What Is Missing

This company doesn't offer services in all states.

Disclaimer

The information on this website is provided for the sole purpose of helping you make an informed decision when selecting a pet insurance company. Our team of experts thoroughly analyzes each brand in order to provide our readers with up-to-date and accurate information. However, the pricing plans and other insurance details mentioned in our reviews are subject to change as each company might update its offer. The information on our website does not constitute legal advice and should not be treated as such.

Pros and cons

Pros
Fast reimbursement
Affordable policies with riders
Different discounts
User-friendly app
Cons
Not available nationwide
Dental conditions are not covered for some pets
Hard to find in-depth insurance information on the website